Inver Grove Hts, MN · Charter 64529
Q4 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.25% | 2.93% | 3.08% | 3.19% | 2.85% | -40 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 2.24% | 8.24% | 21.98% | 16.45% | 23.66% | +2,142 bps | |
| Loan Growth (YoY) | 11.28% | 7.04% | 14.65% | -8.50% | -13.06% | -2,434 bps | |
| Share Growth (YoY) | 0.31% | 6.78% | 23.83% | 17.36% | 27.56% | +2,726 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.43% | 0.88% | 3.01% | 0.71% | 1.15% | -28 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.36% | 1.35% | 1.32% | 1.81% | 1.65% | +29 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.14% | 108.76% | 97.77% | 75.35% | 73.70% | -3,444 bps | |
| Liquid Assets / Assets | 8.99% | 6.46% | 16.03% | 33.17% | 31.56% | +2,258 bps | |